See the carriers, broker commissions and premiums for this plan.
It also shows filing history and funding margin. Your first month is $4.99.
See 11 contract rows with premium, retention and renewal dates. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
See commissions and fees for 7 broker rows. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHY ALLIANCE LIFE INS CO EIN 86-0257201 CLAIMS PROCESSOR | Other services; Contract Administrator; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $27.5M |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 CLAIMS PROCESSOR | Float revenue; Non-monetary compensation; Claims processing; Participant communication; Named fiduciary; Other services; Contract Administrator; Direct payment from the plan Service code 12 | — | $19.3M |
| UNUM LIFE INSURANCE CO OF AMERICA EIN 01-0278678 CLAIMS PROCESSOR | Other insurance fees and expenses; Contract Administrator; Claims processing Service code 12 | — | $84K |
| METROPOLITAN LIFE INSURANCE CO. EIN 13-5581829 NONE | Other insurance fees and expenses; Contract Administrator; Claims processing Service code 12 | — | $13K |
| CIGNA | Claims processing; Other services; Float revenue; Direct payment from the plan; Contract Administrator; Named fiduciary; Participant communication; Non-monetary compensation Service code 12 | — | $0 |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 93,639 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4,204 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 97,843 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. (CALIFORNIA) | 7,578 | $62.7M |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 90,866 | $27.0M |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 11,702 | $978K |
| Long-term disability(2 contracts) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 68,816 | $17.4M |
| Prescription drug(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. (CALIFORNIA) | 7,578 | $62.7M |
| Other(3 contracts, 2 carriers) | ARAG INSURANCE COMPANY | 23,622 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 90,866 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over the prior year. Good candidate for re-shopping the carriers.
The primary carrier changed from the prior filing. The plan is willing to move. Re-pitch on the next cycle.